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If they wanted to let the player play with earrings that badly, then they'd have to go through the trouble to find new refs. At least if I was there.
I actually had an incident with a soccer league I supervise, earrings were allowed, and not knowing anything about soccer, I didn't make an issue of it. However last week, an earring got caught in the mesh of a soccer net, and was subsequently ripped out of the ear. Definitely not a pretty sight.
Long story short, we now have a zero tolerance policy against jewelry in ALL intramural sports I supervise.
If it's in the rules, and you willfully let them participate, you are liable. It's basic negligence, and you will get your *** handed to you. And I think being negligent to this degree might put into question whether or not your insurance will cover the incident.
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Never underestimate the power of stupid people in large groups 
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